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Geico is most famous for their creative advertising and television commercials, and their little gecko mascot has made them one of the most widely-known companies in the nation. Geico stands for Government Employees Insurance Company, and for much of its early history that was their target market. In 1974, under new leadership, Geico began offering insurance to the general public. However, a rate of rapid expansion led to a massive loss of revenue, and the company was forced to reorganize and downsize.

Rank Chart
Pricing Estimate
States Available
Our Score
#1
$78.10
50 states
8.2
#2
$151
49 states
6.6
#3
$112
50 states
6.3

The Good

  • Service coverage
  • Coverage features
  • Price range
  • Discounts
  • Mobile app

Service Coverage

Geico provides auto insurance to residents in all 50 states.

 

Coverage Features

They offer a great selection of policy types, including all the features we like to see:

  • Bodily Injury
  • Medical Payments
  • Uninsured
  • Comprehensive
  • Collision
  • Property
  • Emergency Road Service
  • Rental Reimbursement
  • Mechanical Breakdown Insurance

In addition to the standard coverage options, they also offer more specific options such as mechanical breakdown coverage and windshield replacement.

Price Range

Geico auto polices cost $78.10.

Discounts

There are almost too many discounts to count, as organization affiliations and a host of other factors are taken into account, but it is safe to say there are at least 15:

  • Air bag
  • Anti-lock brake system
  • Anti-theft
  • Daytime running lights
  • 5-year accident free good driver
  • Seat belt use
  • Defensive driving
  • Driver’s education
  • Good student
  • Emergency deployment
  • Military
  • Membership and employee
  • Federal employee
  • Multi-car
  • Multi-policy

 

Mobile App

Geico’s free mobile phone app for iPhones and Android phones is remarkably well-reviewed. In fact, it is among the highest reviewed insurance apps on the market on both platforms. Android customers give it an overall rating of 4.6 out of 5, while iPhone users give the current version of the app a solid 5. Users love the fact that the app gives them full access to their insurance. From filing claims to requesting road assistance, there really isn’t much this app doesn’t do, and the interface is well designed. Honestly, this is the best insurance app we’ve seen out of all major insurance companies.

The Bad

  • Poor transparency
  • Potential rate hikes

Poor Transparency

It should be pointed out that while Geico has thousands of customer reviews on their own website, the overall rating of these reviews is much higher than on other review sites, which is interesting. It is possible that some negative reviews are censored, though there is no proof of that. What is clear is that the customer reviews on the Geico website lean heavily toward 5-star reviews, and while there are some 1-star reviews, there are very few rants from angry customers. This is not the case on many independent review websites, where Geico receives plenty of criticism.

Potential Rate Hikes

One common criticism is that Geico sometimes hikes insurance premium rates without explanation. Individual rate hikes can be steep and sometimes occur for no clear reason. Policyholders who have called customer service to inquire about rate hikes have in many cases simply been told that their policy was reevaluated. Whatever the case, the reevaluation process needs to be clarified. Customers should have at least some small idea of what to expect.

The Bottom Line

Anyone who is in the market for affordable insurance would do well to check out Geico. This is especially true of drivers with good credit and a clean driving record, in which case it is possible to find some of the most affordable premiums on the market.

Geico does not offer the most extensive array of coverage options, and in fact is lacking a few of the popular options, such as gap coverage. However, they do have a few good discounts, including some fairly unique ones. Their mobile phone app is the best on the market, user friendly and full of helpful features. Overall, this is a solid insurance company offering competitive rates and convenience.

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14 Geico Auto Insurance Reviews

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  1. User Score

    10

    June 12th, 2017 Salt Lake City, UT

    My family and I are so happy we switched to Geico. We were paying so much for out car insurance and now we are literally paying a fraction of what we used to pay. Also, anytime I have question about my policy I know that I can call their customer support and get the answer that I need.

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  2. User Score

    3

    June 11th, 2017 Salt Lake City, UT

    Their rates are affordable, but their customer service is not impressive.

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  3. User Score

    7

    June 10th, 2017 Orem, UT

    we have been with geico for about 6 years. my daughter recently was in an accident, the other driver was at fault. geico has been super helpful in covering her medical needs,they will then collect from the other persons insurance.

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  4. User Score

    9

    June 8th, 2017 Sandy, UT

    Best rates I have come across. When I called customer service, they were very friendly and helpful.

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  5. User Score

    8

    June 5th, 2017 Herriman, UT

    After shopping for car insurance, Geico was the cheapest for our family. Fortunately, I have never had to use my car insurance. I have had to call a couple of times with questions and their customer service has always been easy to work with. Geico is a great deal.

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  6. User Score

    4

    June 5th, 2017 Salt Lake City, UT

    We’ve been with Geico for a couple of years. My husband likes them more than I do. We had several issues with trying to get cards in the right names for the right cars. They just kept messing up. Any time we have to call it’s a huge pain, and the people are not that nice to deal with. While they are cheap, their service is not great at all.

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  7. User Score

    10

    June 2nd, 2017 Salt Lake City, UT

    Geico literally the best! When we switched to Geico we only payed half of what we were paying with different insurance.

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  8. User Score

    6

    June 1st, 2017 Salt Lake City, UT

    We swapped to Geico a few years ago after my last insurance company decided not to take care of me when a car hit me when I had the right of way as a pedestrian. We were both represented by the same insurance company and didn’t get what I deserved. Geico has had good prices, and mediocre at best customer service. I have had some issues with them, but the price is good.

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  9. User Score

    10

    May 27th, 2017 Salt Lake City, UT

    I’m insured through Geico. I’ve done price comparisons, and simply can’t get the coverage for a better price

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  10. User Score

    9

    May 25th, 2017 Salt Lake City, UT

    I really love using Geico, they literally have saved us hundreds of dollars when comparing to our previous provider. They work quickly, and the mobile app is really easy to use and helpful. I’ll be sticking with Geico for a long time.

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  11. User Score

    3

    April 11th, 2017

    Someone made a claim in my name. The customer service staff have been less than helpful. Terrible customer service

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  12. User Score

    8

    August 27th, 2016 Winter Park, FL

    All of the above isn’t an option. Been a Geico customer for over 15 years, and have had exactly one negative experience in all that time. Samantha in the Orlando office has been helpful, thoughtful, knowledgeable and always has a smile and a willingness to assist in any way she can.

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  13. User Score

    0

    July 18th, 2016 Alpine, UT

    I initially went with Geico because they were able to drastically decrease my rates. However, that came at a cost when I actually needed them. I had an instance come up where I specifically asked them to keep me informed on a certain circumstance and they completely failed to notify me of any updates. I even made sure they put a special notice on my account to be updated. All together, they failed to follow through and I have moved onto other insurance providers.

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    1

  14. User Score

    1

    January 24th, 2016 Kilauea, HI

    i was a customer for 10 years with 5 vehicles under there policy then received a letter accusing me of using one of the units for paying passengers. I asked them for proof they would not give me any and cancelled my entire policy even with out a blink of an eye.
    I will continue to express how awful they were with more evidence after my 18 year old daughters pickup truck was stolen and they denied the entire claim!
    never use them they are corrupt!

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